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Mortgage Banker

NMLS: 1326239

(254) 216-1816

Sente Mortgage

About Me

“Everybody wants responsibility, however no one wants accountability.”

Richard has worked in the financial field for more than 25 years. Before joining Sente Mortgage, he held various positions within the lending community providing indirect and direct lending, offering loss prevention, mitigation, contract structuring and negotiation. Because purchasing a home is one of the single most important financial life decisions a person may make, it is Richard’s mission to make it one of the smoothest and most rewarding ones as well.

Things to know about Richard:

  • Richard works with the local Lions Club, has volunteered as a football and baseball coach through the city of Gatesville and select organizations, and has served on various city board organizations.
  • Richard’s proudest moment is when he became a father, as it helped him focus on building a life for someone other than himself.
  • When not at the office, Richard can be found spending time with his family, attending sporting events, and traveling with his wife.

Richard is able to assist you with the following types of financing:

  • Lot loans and construction loans to build a new home
  • FHA, USDA and Conventional Loans
  • VA and Texas Vet loans for Veterans
  • Down Payment Assistance [DPA] loans for first-time home buyers
  • Financing for investment properties and commercial properties
  • Loans for Manufactured Housing

What type of
Loan is right
for you?

Different people have different financial needs. We have a solution for every situation. How can we help you today?

I'm a first-time
home buyer

After years of renting, it's time to take your next big step: Home Ownership. But where to begin?

I'm an experienced
home buyer

You've done this before, but it's been awhile. Perhaps a few notes on what's changed is in order. 

I'm a U.S. Veteran

You've served your country with honor. Now it's the country's turn to serve you, with the help of a VA Loan.

I am looking to

You already have a loan in place, but your interest rate is nothing to brag about. Maybe it's time to refinance.

I'm a real estate

Looking to buy another home? Here are five tips to consider before you purchase an investment property.

Get Prequalified Today

Apply online or call with questions (254) 216-1816

How It Works

Find out more about our streamlined process, loan products, mortgage calculators, answers to FAQs and more... 

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What type of loan is right for you?

Frequently Asked Questions

Send a Message


  • 8810 W. Highway 84
    Suite 306
    Waco, TX 76712
  • Office: (254) 233-9668
    Direct: (254) 216-1816
  • Email:
  • Operating Hours: Monday - Friday
    8:30 AM - 5:00 PM

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